Platform & Equity
Immediate platform leverage and long-term equity upside — without giving up independence in the meantime.
Platform & Equity Value
The Platform & Equity tier is for payment company owners who want immediate platform leverage and long-term equity upside — without giving up independence in the meantime. You keep your company, contracts, portfolio, and operating control, while gaining access to the full Valtura platform toolset and cohort economics designed to increase gross profit, improve conversion, and build a large capital event.
Near-Term Performance Uplift
Platform capabilities including quoting, commissions reporting, internal knowledge AI, PCI servicing via Fraud Defence First, and future network benefits like lead exchange and group procurement.
Long-Term Value Participation
Founder economics aligned to the 2029 consolidation and 2030 capital event. Your exit floor value plus equity participation through Founder Participation Units.
2× Gross Profit Exit Floor
A formula-led minimum outcome, measured on real GP.
Standalone acquisitions often lose value in diligence (normalisations), deferred consideration, retention conditions, and buyer protections. Valtura replaces “headline multiple negotiation” with a pre-agreed exit floor formula designed to reduce pricing uncertainty and keep founders aligned right up to the capital event.
Exit Floor
At the capital event, your minimum consideration is calculated as: 2× your attributable Gross Profit (GP) in the last 12 completed months immediately before the event.
Reduced Deal Friction Versus Traditional Exits
You’re not relying on a last-minute, multiple-negotiation. The floor formula is pre-agreed with auditability and measurement rules designed for institutional diligence.
No Earn-Out Mechanics
The intent is to avoid the typical outcome where a large percentage of value is deferred and conditional on future performance. The transaction will still be documented under standard completion mechanics and customary legal protections, but the model is structured so performance earn-outs are not the default value mechanism.
Clean, Auditable Measurement
GP is calculated and verified through a defined reconciliation process, using platform rules that are designed to be transparent to all parties. This supports consistent reporting, reduces interpretation risk, and creates a common language for valuation across the cohort.
Alignment Into the Event
The floor is anchored to real GP going into the capital event, which keeps incentives clean. Founders are rewarded for sustaining and improving performance during the measurement period.
Where the Exit Floor Adds Value
A Clean, Predictable Outcome
If you don’t want to spend 6–12 months negotiating a headline multiple, only to watch value leak through diligence, holdbacks, and conditions, the 2× GP Floor gives you a defined minimum outcome you can plan around — based on real, attributable GP and a pre-agreed measurement framework.
No Clawbacks & Earn-Outs
Traditional deals often look good on paper but push value into deferred consideration that’s conditional on retention, performance, or buyer discretion. The 2× GP Floor is structured so performance earn-outs are not the default value mechanism. The transaction will still include standard completion mechanics and customary buyer protections, but the model is designed to keep the core outcome anchored to measurable GP rather than multi-year conditional payouts.
Downside Protection + Upside
The floor protects your minimum outcome through a formula-led framework tied to real GP going into the event. On top of that, Founder Pool / FPUs give you exposure to group upside if the platform performs strongly. In short: a disciplined baseline plus participation in the value created through consolidation and scale.
Plan to Grow Into the Capital Event
The floor is not based on historic peaks. It is calculated as 2× your attributable GP in the last 12 completed months immediately before the capital event. This gives you time to prepare and leverage the group support to maximise your value.
Preserve Value on Entry
The floor is implemented through contractual measurement and verification rules, with customary transaction documentation and completion mechanics. Full definitions, attribution methodology, and reconciliation processes are set out in the governing agreements.
Founder Participation Units (FPUs)
FPUs are a structured founder-alignment instrument designed for a multi-partner build and distribution model. They provide economic participation through a fixed, finite equity pool, with allocation linked to measurable contribution. The mechanism is intended to align founder incentives with long-term enterprise value creation—rewarding early, high-impact execution and enabling participants to share in platform value appreciation at the relevant capital event.
Fixed Equity Pool
A defined pool reserved for founders and strategic builders. Avoids ad-hoc equity dilution discussions. Each founder holds FPUs representing a share of the pool, translating into equity ownership per the platform's cap table rules.
Contribution-Linked Allocation
Allocation is structured around gross profit contribution and strategic delivery milestones. Clear eligibility rules with defined vesting and earn-in logic, built for governance-ready reporting.
In practice, FPUs support the attraction and retention of high-leverage contributors in multi-partner environments by providing a standardised, rules-based framework for economic participation—avoiding ad hoc bilateral equity arrangements.
Staff Pool
The Staff Pool is a long-term alignment mechanism that rewards the people who build, operate, and scale the platform. Valtura allocates a dedicated Staff Pool so key contributors in your company can share in the upside, creating or enhancing an EMI scheme.
Dedicated Allocation
A dedicated pool reserved for key staff contributors across the platform, separate from the Founder Pool.
Team Alignment
Ensures the people building and operating the platform are directly aligned with long-term value creation and the 2030 capital event.
EMI Addition
Create or enhance your Enterprise Management Incentive scheme, giving your team a stake in the platform's success.
Wholesale Pricing Through Group Procurement
Most payment companies negotiate pricing in isolation. That limits leverage, creates variance in commercials, and makes it harder to compete on certain deals—especially at the margins.
Wholesale Pricing Through Group Procurement is being built to change that by using one simple idea: collective bargaining power.
When multiple payment companies operate under a shared platform and data structure, you can aggregate merchant volume profiles, vertical demand patterns, terminal / gateway requirements, and onboarding and operational standards. That aggregated demand can then be used to negotiate improved wholesale pricing and terms with suppliers and providers.
Key principle: this is optional. You opt in when it benefits you, and you keep your autonomy, pricing strategy, and client relationships.
Group-negotiated wholesale terms
Pricing improvements negotiated at cohort level. Designed to reduce commercial variance between payment companies. Stronger competitiveness on margin-sensitive deals.
Opt-in access per payment company
Participate only when it makes sense for your model. Keep your independent pricing and merchant strategy. No mandatory routing or forced supplier lock-in.
Commercial visibility and benchmarking
Clear view of the wholesale terms available through the group. Benchmarking against typical standalone payment company commercials. Helps identify where group procurement creates immediate uplift.
Standardised operational requirements
Some procurement benefits require standardised onboarding/process. Any required standards will be explicit and optional by tier. Designed to improve delivery quality, reduce exceptions, and protect terms.
Where Wholesale Pricing Adds Value
Win margin-sensitive deals without compressing your own economics
Access to improved wholesale terms can let you compete harder on price while protecting GP—especially in verticals where pricing pressure is high.
Increase GP on your existing portfolio through better underlying commercials
Even small wholesale improvements can translate into meaningful GP uplift when applied across a book—without adding headcount or changing your sales motion.
Reduce time spent renegotiating and managing supplier relationships
Instead of each payment company fighting the same battles independently, procurement becomes a shared mechanism—freeing you up to focus on distribution and execution.
Compete with larger payment companies while staying independent
Group procurement gives smaller payment companies access to leverage typically reserved for large portfolios—without requiring them to sell or merge.
Stabilise commercials and reduce volatility across the cohort
Wholesale consistency improves predictability. That supports more reliable pricing, better forecasting, and stronger group performance over time.
Broker Platform
The Broker Platform is a web-based quoting and proposal engine that compares up to 8 acquirers across online, in-store, and over-the-phone acceptance — using the correct pricing model for each provider.
Standalone Web Platform
Ideal for field sales on iPad/phone.
Embeddable Plugin
Place directly on your own website.
From one input, you get a complete output pack: client proposal, datasheets, application-ready details, and revenue sheets — all saved into a structured folder for your client file.
Two ways to run a quote: PSR calculator entry (fast structured input), or upload a merchant statement PDF for auto-review and recommendation.
Broker Platform Features
Acquirer comparison engine
Up to 8 providers compared per quote. Separate logic for online / in-store / MOTO. Uses provider-specific rate tables and terminology mapping.
Statement upload + auto review
Upload single or multi-month PDFs (up to 12 months). Multi-month averaging for more reliable results on larger accounts. Recognises common statement line items and naming conventions.
Pricing model support
Interchange++ and blended pricing supported. Rate/margin overrides: preset and custom configurations. Produces clean “apples-to-apples” outcomes.
Output pack + client file structure
Proposal (client-facing), product datasheets / provider summaries, application dataset (structured details captured), revenue and margin sheets (internal). Save/export into a merchant folder.
Where the Broker Platform Adds Value
Resellers & Partners
Embed the platform on your website using plugins and give partners a quoting journey that’s trackable. Every quote can be attributed via a unique reference, enabling reporting, commission logic, and performance visibility.
Internal Sales Teams
Standardise quoting across your team and turn reviews into a repeatable workflow. Reduce back-and-forth, remove spreadsheet errors, and produce a consistent proposal pack every time.
Brokers in the Field
Run comparisons on-site with merchants using an iPad or phone. Upload statements in real time, produce a proposal immediately, and capture application-ready details while you have the customer.
AI Knowledge
AI Knowledge is your internal “payments brain” for staff. It works like ChatGPT, but it answers using your approved knowledge—so new starters, sales teams, support agents, and operations staff can ask questions and get instant, consistent answers without waiting for a senior person to reply.
It’s built to save time in the places that quietly drain a business every day:
- “How much is a WorldPay refund fee?”
- “Which acquirer supports this EPOS integration?”
- “What’s the difference between blended and interchange++?”
- “What terminal is best for this merchant type?”
- “How does onboarding work for MOTO / ecommerce / in-store?”
Valtura AI already includes a growing knowledge database across 8 acquirers, plus practical content covering EPOS integrations, ecommerce, terminals, onboarding, and the most common questions merchants ask. You can also add your own internal processes and house rules—so staff get the same answer every time.
AI Knowledge Features
Knowledge-Based AI Assistant
Ask questions in natural language (like ChatGPT). Answers are grounded in your knowledge base (not random internet content). Smart search that understands meaning, not just keywords. Remembers the conversation during a session. Multi-language support (auto-detects language).
Built-in Payments Knowledge
Knowledge database across 8 acquirers (expanding regularly). Coverage includes pricing models, statement terminology, onboarding flows, underwriting expectations, terminals and hardware guidance, ecommerce setup and gateways, EPOS integrations, MOTO / keyed payments, and common merchant FAQs.
Knowledge Base Management
Create, edit, delete, and search knowledge entries. Organise by categories (acquirer / terminals / EPOS / ecommerce / onboarding etc.). Template knowledge packs for rolling out to new teams/tenants.
Where AI Knowledge Adds Value
New Starter Onboarding
Gives new hires an instant “payments coach” they can ask all day without interrupting senior staff. Instead of waiting on Slack replies, they get consistent answers on acquirers, terminals, EPOS, ecommerce, onboarding steps, and common merchant questions—so ramp time drops and confidence increases.
Sales Enablement
When sales needs a fast, accurate answer to close a deal, Valtura AI provides it in seconds. Teams can check acquirer capabilities, integration compatibility, terminal suitability, and onboarding requirements in one place—reducing deal delays and improving consistency.
Support Desk Acceleration
Helps support teams resolve common issues quickly by providing the right troubleshooting steps and policy answers immediately. Standardises responses across agents, reduces escalations, and cuts time spent searching docs or asking colleagues.
Operations & Onboarding Teams
Acts as an internal process reference for onboarding and ops teams—so document requirements, underwriting triggers, exception handling, and setup steps are consistent every time. Fewer avoidable errors, less rework, and smoother merchant onboarding.
Partner Commission Reporting
Commission processing is one of the most time-consuming, error-prone tasks in any payment company back office. Manual spreadsheets, reconciliation queries, and partner disputes eat into productive time every month.
Automated Commission Reporting replaces manual calculation and distribution with a transparent, auditable system that processes partner commissions accurately and on time—every cycle.
Automated Processing
Commission calculations run automatically based on agreed terms and live portfolio data. No more manual spreadsheets, copy-paste errors, or last-minute corrections. Every payee gets an accurate, timely statement.
Dispute Reduction
Transparent reporting with full audit trails means partners can see exactly how their commission was calculated. Queries drop significantly when the numbers are clear, consistent, and accessible.
Back Office Efficiency
Free up finance and operations staff from repetitive commission processing. Time previously spent on manual calculations, reconciliation, and partner queries is returned to higher-value activities.
Partner Satisfaction
Accurate, timely commission payments build trust with your partner network. Transparent reporting reduces friction and strengthens commercial relationships—making it easier to attract and retain top-performing agents.
Lead Exchange Network
Every payment company has the same problem: leads don’t always match your strengths. Some are too complex, too niche, too time-consuming, or outside your preferred vertical. In a typical model, those leads are either declined, left idle, or converted poorly—meaning wasted opportunity and lower GP.
The Lead Exchange Network fixes that by creating a controlled referral mechanism inside the cohort:
- You keep your independence and your brand.
- You choose when to refer and when to receive.
- Leads go to the payment company most likely to win them—fast, clean, and profitably.
- The GP is split so both parties benefit.
Lead Exchange Features
Structured lead referral mechanism
Simple process to refer leads you can’t service efficiently. Routes leads to a better-fit payment company within the cohort. Built for speed, clarity, and accountability.
GP share model
The receiving payment company manages the sale, onboarding, and ongoing relationship. GP from the merchant is split between the referring payment company and the receiving payment company. Converts “unused leads” into reliable shared GP.
Optional participation with full control
You decide which leads you refer. You decide what you accept. You remain fully independent (brand, client ownership rules, operating model).
Vertical specialist matching
Designed to route leads to payment companies with proven performance in specific verticals. Improves close rate, pricing confidence, and long-term stickiness.
Group-wide performance uplift
Wider effective deal flow without extra marketing spend. More consistent cohort performance as leads are matched to capability. Less volatility from “random lead quality” hitting individual payment companies.
Where Lead Exchange Adds Value
Turn “non-fit” leads into GP instead of dead ends
When a lead isn’t right for your payment company—wrong vertical, wrong complexity, wrong timing—you don’t lose it. Refer it into the network and still share the long-term GP when the specialist closes it.
Increase conversion by sending leads to the payment company most likely to win
Vertical specialists close more because they know the objections, integrations, and risk profile. The network routes leads to the team with the highest probability of success.
Improve margins and retention through better-fit placements
Better-fit deals mean better pricing confidence, smoother onboarding, fewer early-life issues, and higher retention. That increases GP per merchant over time.
Scale deal flow without scaling cost or headcount
Instead of hiring to cover every vertical, you use the cohort. You stay focused on your strengths while still monetising broader inbound demand—without building a bloated operation.
Keep independence while benefiting from group economics
This isn’t a merger and it isn’t a loss of autonomy. You remain an independent payment company with full control, but you gain access to a structured network that increases GP efficiency across the cohort.
PCI DSS Compliance
Every payment company has the same PCI reality: merchants don’t want to do it, staff don’t want to support it, and it becomes a constant source of friction, tickets, and churn risk.
The FDF model fixes this by separating compliance delivery from your payment company operation:
- You keep the merchant relationship and the primary processing revenue.
- FDF delivers the PCI service end-to-end (onboarding, guidance, completion support).
- You earn commission on the PCI service across your existing book (back book), and new merchants you board (front book).
PCI DSS Features
Dedicated group company delivery
FDF is the delivery arm: structured compliance workflow and merchant support. Payment company doesn’t need to hire PCI specialists internally. Clear separation of responsibilities (sales/relationship vs compliance execution).
Back book + front book monetisation
Service your existing merchants (back book) and earn recurring commission. Include PCI servicing on new deals (front book) to add incremental revenue per merchant. Converts a historical support burden into paid service.
PCI-qualified credibility
PCIP — PCI Professional Program Certified. PCIM — IBITG Certified. Positioning improves merchant confidence and reduces “I don’t trust this” friction.
Payment company commission model
Ongoing commission paid to the payment company on active merchant subscriptions. Creates predictable monthly revenue independent of new sales cycles. Improves unit economics per boarded merchant.
Reduced operational drag on your payment company team
Fewer inbound PCI questions and “stuck” merchants. Less churn / risk caused by non-compliance confusion. Less time spent firefighting and more time selling and retaining.
Where PCI DSS Adds Value
Monetise your back book without changing your core model
Most payment companies have an installed base that generates processing GP but also generates compliance friction. With FDF, you can add a recurring compliance revenue layer to that same book—without disrupting how you sell acquiring.
Improve retention by removing the PCI pain point
PCI confusion is a common reason merchants disengage, ignore requirements, or blame the provider/payment company when issues occur. A managed service improves the experience, reduces complaints, and helps keep merchants stable for longer.
Add a clean upsell to every new merchant
On every new deal, PCI can be packaged as a supported service rather than an afterthought. That increases revenue per merchant and reduces the “post-boarding drop-off” that happens when compliance hits late.
Offload PCI workload from your team
Instead of support agents and sales teams answering PCI questions repeatedly, merchants are routed into a dedicated compliance service. That saves internal time and reduces the operational tax that PCI creates at scale.
Strengthen credibility for larger merchants and stricter verticals
As merchant size increases (or risk profile tightens), compliance credibility matters more. Positioning FDF as the delivery partner, with recognised PCI professional certification, helps you win and retain merchants who care about governance.
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Join the Platform & Equity tier and start building towards a defined exit floor value with full platform access.
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